Free Group Personal Accidental Insurance (GPAI)
THE MAIN FEATURES OF THIS INSURANCE COVER ARE AS UNDER:
POLICY DURATION: The GPAI policy will be effective from 07-06-2025 to 06-06-2026.
COVERAGES
- GPAI-DEATH COVER of ₹ 25 lakh (EXISTING)
- AIR ACCIDENT INSURANCE of ₹ 25 lakh* (ADDITIONAL)
- PERMANENT TOTAL DISABILITY of ₹ 10 lakh (ADDITIONAL)
- PERMANENT PARTIAL DISABILITY of ₹ 5 lakh (ADDITIONAL)
*In case death occurs due to Air Accident, the claimant will be eligible for a claim amount of ₹ 50 lac (₹ 25 lac death cover + ₹ 25 lac Air Accidental Cover).
ELIGIBILITY:
- A permanent employee of the UT Government of J&K and LADAKH including those in Corporations, PSUs, Autonomous bodies, local bodies, universities, and police personnel/SPOs.
- Aged between 18 to 60 Years or as per the maximum age of superannuation of the employee determined by the service rules in vogue.
- Must draw their salary through J&K Bank.
- Employees drawing salary from banks other than J&K Bank will not be eligible under the GPAI policy. However, such employees who open and maintain a salary account with J&K Bank during the policy period shall become eligible for coverage under this GPAI policy.
CLAIM PROCESS
Claimants should approach the respective J&K Bank branch where the deceased employee was maintaining his/her salary account for claim intimation.
Required documents include police report, post-mortem report (wherever applicable), viscera report (if required), death certificate, claim form, LPC, KYC documents, and other relevant documents based on the nature of claim.
FAQS (FREQUENTLY ASKED QUESTIONS)
Q 1. Which insurance Company has provided the Group Personal Accidental Insurance cover in favor of Govt Employees?
Ans: The Bank has arranged free Group Personal Accidental Insurance cover in favor of Govt Employees from BAJAJ ALLIANZ GENERAL INSURANCE COMPANY (BAGICL) from 07.06.2025 to 06.06.2026 with following coverage’s.
| S.NO | COVERAGE OFFERED | SUM INSURED | COVERAGE TYPE |
|---|---|---|---|
| 1 | GPAI-DEATH COVER | ₹ 25 LAC | Existing |
| 2 | AIR ACCIDENT INSURANCE | ₹ 25 LAC* | Additional |
| 3 | PERMANENT TOTAL DISABILITY | ₹ 10 LAC | Additional |
| 4 | PERMANENT PARTIAL DISABILITY | ₹ 5 LAC | Additional |
* In case death occurs due to Air Accident, the claimant will be eligible for a claim amount of ₹ 50 lac (₹ 25 lac death cover + ₹ 25 lac Air Accidental Cover)
Q.2 who all are covered?
Ans: The GPAI covers all the Permanent employees of the UT governments of J&K and Ladakh including those in Corporations, PSUs, Autonomous bodies, local bodies, universities, and police Personnel/SPOs.
Q 3. Are Terrorism/snake bites/ Animal bites also covered?
Ans: The policy for Group Accidental Insurance covers Death Cover, Air Accident Insurance (Death), Permanent Total/Partial Disability, including claims due to terrorism and snake/animal bites, on a 24/7- Worldwide cover
Q 4. How to lodge a claim?
Ans: The claim form along with all the requisite documents shall be submitted at the branch where the deceased employee has been maintaining his/her salary account or directly to insurance Company. Branch shall forward soft copy of the same to the insurance company via mail and retain the hard copies at Branch.
Q 5. Documents required for claim process?
IN CASE OF ACCIDENTAL DEATH
- Duly filled PA form (Format Annexed)
- Affidavit from Legal heirs of deceased (Format Annexed)
- Indemnity bond (Format Annexed)
- FIR/FPR
- Post Mortem (Wherever applicable)/Viscera Report (if required as per PM report)
- KYC of deceased (address & identity proof)
- Salary Slip of deceased (LPC)
- Salary A/C Statement of deceased maintained at JKB Branch with recent salary credit.
- KYC of claimants (address & identity proof)
- Joint Account statement of Claimants reflecting title of account, IFSC code etc.
- Legal heir certificate.
- Guardianship Certificate/Court order if claimants or any one of the claimants is a minor.
- Treatment notes (wherever Applicable)
- Death certificate/death Summary
- Any other relevant documents depending upon nature of Accident.
IN CASE OF PERMANENT PARTIAL DISABILITY AND PERMANENT TOTAL DISABILITY
- Duly filled PA form (Format Annexed)
- KYc of insured/LPC/Salary account statement maintained at J&K Bank.
- FIR/FPR
- Duly filled Medical Certificate attached in the Group Personal Accident Claim Form.
- X-ray films /Investigation reports supporting the diagnosis.
- Permanent Total Disability or Permanent Partial Disability Certificate from the Government authority certifying the Disability of the insured.
- Photograph of the patient before and after the accident to Support the disability
- Any other relevant documents depending upon nature of Claim
Q 6. In case any employee has obtained similar cover on his own, will there be any impact on benefits under this policy?
Ans: Personal Accidental Insurance Policies are benefit policies, thus the sum payable under this policy shall be over and above the paid/payable under other Insurance Policies.
Q 7. SPOC details of Insurance Company?
Ans.
- NAME OF SPOC (BAGICL)
MR. AAMIR JALALI - CONTACT NUMBER
9622903370 - MAIL ID
mohammad.Jalali@bajajallianz.co.in
